КОНТРОЛЬНАЯ РАБОТА № 1

Дисциплина «Иностранный язык» (английский)

Специальность «Экономическая безопасность»

Прочитайте и устно переведите текст.

Текст №1

Banking Products

1) My salary is paid directly into a low-interest current account. I can withdraw money from automatic cash dispensers with a cashcard, so I hardly ever actually go into a bank. I pay regular, monthly bills by way of a standing order*: the bank pays them according to my instructions, and debits my account. I pay irregular bills by cheque. Nearly everyone I know in Britain has a chequebook, but when I lived on the Continent, I found that people hardly used them. They often paid cash, or paid bills at a post office with a paying-in slip.

2) I also have a credit card, which is useful for ordering things by post or on the telephone, and for travelling worldwide. I also use it in shops and restaurants, but try not to spend more than I can pay when the bill comes a month later, as this is a very expensive way of borrowing money. The annual interest is exorbitant - well over 20%.

3) Some years ago I had a deposit account in a building society which paid higher interest than the current account at the bank, but had restrictions as to how and when I could withdraw my money. But then we bought a flat. I got a 90% mortgage from the building society: i.e. we had to pay a deposit of 10% with our own savings.

4) That is why I have no more money and no more deposit account. In fact I have arranged an overdraft with the bank, which means I can occasionally withdraw more money than is actually in my account. Interest is calculated daily. Last year I asked the bank for a loan to buy a car. I (only!) wanted two months' salary, but they refused. Since I don't like the high interest rates that the garage's hire purchase people charge, I bought a cheap second-hand car instead.

5) I always use the bank to buy foreign currency when I go abroad, because their rates are better than the bureaux de change**. I don't like travellers' cheques, and I've never had my money stolen-yet.

6) My bank is also always trying to sell me a private pension plan, but I'm not interested. They also keep offering me investment advice about shares, bonds, unit trusts, mutual funds, and so on. They don't seem to realize that if I could afford to buy all these things, I wouldn't need an overdraft.

* Постоянное поручение (распоряжение, выданное клиентом банку).

** (Фр.) бюро обмена валюты.

I Запомните следующие слова и выражения из текста:

Account — банковский счет.

Accountant — бухгалтер.

Current account — текущий счет.

Deposit account — депозитный счет.

Bill — вексель, счет.

То pay a bill — оплатить счет.

Cash — наличные деньги.

Cash dispenser — банкомат (раздатчик наличных).

Cashcard — наличная карточка, позволяющая получать наличные.

Credit card — кредитная карточка.

Cheque — чек.

Chequebook — чековая книжка.

Currency — валюта.

Foreign currency — иностранная валюта.

Interest — процент.

Annual interest — ежегодный процент.

Monthly interest — ежемесячный процент.

High interest rate — высокая процентная ставка.

Exchange rate — курс обмена.

Loan — заем.

То ask for a loan — просить заем.

Money — деньги.

То borrow money — брать взаймы.

То withdraw money — снимать деньги (со счета).

Mortgage — закладная, ипотека.

Overdraft — превышение кредита в банке.

Saving — сбережения.

Share — акция.

Bond — облигация.

Securities — ценные бумаги.

Branch — филиал.

II в следующих предложениях из текста определите функ­цию глагола Be и переведите предложения на русский язык.

Например:

1. The employees who check a company's financial affairs are accountants.

Are — Present Indefinite Active от глагола Be (глагол — связ­ка). Служащие, которые контролируют финансовые дела компа­нии — бухгалтера.

2. The money is immediately transferred to an account in London.

Is transferred — Present Indefinite Passive от глагола «transfer». Деньги немедленно переводят / переводятся на счет в Лондоне.

1) Мy salary is paid directly into a low-interest current account.

2) 1 also have a credit card, which is useful for ordering things by post or on the telephone.

3) This is a very expensive way of borrowing money.

4) The annual interest is exorbitant — over 20%.

5) Interest is calculated daily.

III. Выпишите из текста и переведите 5 предложений с глаго­лом Have в функциях:

а) смыслового глагола, который переводится «иметь»

1) в Present Indefinite Tense; 2) в Past Indefinite Tense.

Например:

Royal Bank has assets of 20 billion pounds — Королевский банк имеет активы в 20 миллиардов фунтов стер­лингов.

I have a Barclays student Bank Account — У меня есть студенческий счет в Барклай банке.

Our company had a lot of debts some years ago — Наша компа­ния имела много долгов несколько лет назад.

b) модального глагола, который переводится «должен», «при­ходиться».

Например:

Every year we have to fill in a form for the tax office about our income — Каждый год мы должны (нам приходиться) заполнять декларацию для налоговой инспекции о наших доходах.

c) вспомогательного глагола для образования Present Perfect Tense.

Например:

Interest rates have just started, to fall — Процент­ные ставки только что начали падать.

IV Перепишите следующие предложения и подчеркните в них сказуемое в Present Indefinite Tense сплошной чертой, а в Past Indefinite Tense пунктиром. Предложения переведите.

Например:

Employees pay taxes in a different way — Служа­щие платят налоги по разному.

We don't use chequebooks in Russia — Мы не пользуемся чековыми книжками в России.

In 1995 our bank achieved , record earnings — В 1995 году наш банк достиг рекордных доходов.

In Egypt we paid , by travellers' cheques — В Египте мы рассчитывались дорожными чеками.

l) When I lived on the Continent, I found that people hardly used chequebooks.

2) I pay regular, monthly bills by way of a standing order: the bank pays them according to my instructions, and debits my account.

3) I use a credit card in shops and restaurants.

4) They often paid cash, or paid bills at a post office with a paying-in slip.

5) I always use the bank to buy foreign currency when I go abroad.

6) Last year I asked the bank for a loan to buy a car.

7) I don't like travellers' cheques.

8) I only wanted two month's salary, but they refused.